Insurance coverage Division Offers Data for Householders, Enterprise House owners to File Harm Claims Following Sturdy Storms and Flooding – Pennsylvania PressroomAugust 17, 2022
Harrisburg, PA – Following the robust storms, tornadoes, and historic flooding within the commonwealth, Insurance coverage Commissioner Jessica Altman at this time offered info to house and enterprise house owners to assist them file insurance coverage claims for damages, and tricks to keep away from restore scams.
Property and enterprise house owners ought to get accustomed to their insurance policies or discuss with a consultant from their insurance coverage firm to establish what their coverage covers and does not cowl. Policyholders must also discover out what their coverage deductible is, and any greenback limits on the quantity of harm the coverage will cowl.
The division additionally desires to remind owners that flood injury is just not coated by most householders’ insurance coverage insurance policies, and a separate flood insurance coverage coverage is required to pay for injury brought on by flooding.
"Experiencing important house, property and enterprise injury from a storm may be extremely troublesome, however we wish Pennsylvanians to know there are sources obtainable to assist them via the method," Commissioner Altman stated.
The Insurance coverage Division has brochures for owners and enterprise house owners with necessary info on easy methods to file claims for storm injury. These brochures embrace key recommendations on what info it’s worthwhile to file an insurance coverage declare for storm injury, in addition to what inquiries to ask and what to search for to identify a attainable restore rip-off.
The After the Storm brochure consists of suggestions reminiscent of:
Storms that trigger injury to quite a few houses and companies all through a group generally is a magnet for dishonest contractors. The After the Storm brochure additionally supplies a number of suggestions for customers on easy methods to keep away from house restore scams, together with:
Commissioner Altman additionally suggested customers to be cautious of contractors with work vans or vehicles which have out-of-state license plates or lack indicators or insignias figuring out the corporate identify.
"Repairing a house or enterprise after storm injury may be difficult, however following the following pointers might help Pennsylvanians file claims and reduce their probabilities of being scammed," stated Commissioner Altman. "As well as, property and enterprise house owners ought to assessment their insurance coverage insurance policies yearly to ensure they’ve the suitable protection."
Customers with questions or wishing to file a criticism can contact the Insurance coverage Division’s Shopper Providers Bureau, or by calling 1-877-881-6388. The division additionally has a devoted Flood Insurance coverage web page for Pennsylvanians searching for further info.